I apologize if I haven't been keeping up with this as much as I should, but I've actually been busy with a lot of side work to pay for the mess I'm about to describe.
A few posts back, I mentioned getting an 18 month loan at 0% for some medical expenses we've racked up at a local hospital. Well, as of right now, I've paid off just about $1000 of that bill, and have about another $1000 in forthcoming expenses. I've actually been trying to pay the loan and the extra bills in tandem, but I just can't afford to do that anymore. I'm going to try to see if I can increase the credit line a bit and tack the new ones onto my previous loan. It shouldn't raise the monthly bill TOO much, but it will still be very close on the budget. Here's to hoping nothing catastrophic happens (yes, my emergency fund is depleted now too...).
My Father-in-Law wants us to go to Texas for Christmas and is hounding us to figure out if we're coming or not, but the way things look, I don't think we can go -- and all for the sake of money. I'd basically have to start saving what I'm paying in medical bills now to have the cash to go, but since we have the bills and the budget is too tight with them, I'm not sure how that is going to happen. To anyone out there reading this who don't have debt, DON'T GET ANY. Or if you have to, keep it under 25% of your gross. When you lose one person working, it really taxes things. I went from having a few hundred extra a month to put toward debt to going in the red every month. Not a fun place to be.
Looks like I've got a lot more side work ahead of me...
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